AB
3.9%
APR
KES 6,000
Annual fee
50 days
Interest-free days
Recommended minimum income: KES 50,000
CompareDetails
- Card tier
- Gold
Requirements & terms
- Minimum monthly income
- KES 50,000
Credit Cards16 listings, ranked.
16 listings, ranked.
Sorted by what matters.
Compare credit cards across Kenyan banks, sourced from their own published rates, ranked lowest cost to highest, with fees shown next to the headline figure.
Lowest rate tracked today
1.5%
Equity Bank Kenya · credit cards
16
institutions compared
2.4pp
spread, low to high
Verified. Every rate and fee below is sourced from the institution’s own published rates — see the “Verified” badge and source link on each listing for where it came from and when we last checked.
CB
Co-operative Bank of Kenya
Up to 4 complimentary supplementary cards; min repayment 10%; late fee 5% of min due; cash advance 6%; over-limit fee 1,000. Note: Money254 separately lists this card as 'From KES 200k' credit limit, conflicting with the bank's own page (used here) — worth confirming with Co-op directly
VerifiedVerified 16 Sept 2026 · source
3.5%
APR
KES 6,000
Annual fee
50 days
Interest-free days
Recommended minimum income: KES 100,000
CompareDetails
- Card tier
- Gold
Requirements & terms
- Minimum monthly income
- KES 100,000
EB
Equity Bank Kenya
Credit limit: Set during application (no fixed published limit) — Travel insurance, purchase protection, airport lounge access; cash advance 6%; late fee 6%; supplementary card 3,500
VerifiedVerified 16 Sept 2026 · source
1.5%
APR
KES 4,500
Annual fee
45 days
Interest-free days
Recommended minimum income: KES 75,000
CompareDetails
- Card scheme
- Visa
- Card tier
- Gold
Requirements & terms
- Minimum monthly income
- KES 75,000
FB
3.5%
APR
KES 4,000
Annual fee
Details
- Card tier
- Gold
Requirements & terms
Requirements for this product aren't published yet.
FB
Family Bank Kenya
Cash advance 6.5%; late fee 6%; over-limit 4%
VerifiedVerified 16 Sept 2026 · source
3.5%
APR
KES 3,000
Annual fee
30 days
Interest-free days
Recommended minimum income: KES 25,000
CompareDetails
- Card tier
- Classic
Requirements & terms
- Minimum monthly income
- KES 25,000
IB
I&M Bank Kenya
Unlimited lounge access; global concierge
Contact bank for full rateVerified 16 Sept 2026 · source
3.5%
APR
KES 8,000
Annual fee
Details
- Card scheme
- Mastercard
- Card tier
- World
Requirements & terms
Requirements for this product aren't published yet.
IB
I&M Bank Kenya
Cash advance limit 40%; reward points; cash advance rate 6% p.a.
Contact bank for full rateVerified 16 Sept 2026 · source
3.5%
APR
KES 3,000
Annual fee
50 days
Interest-free days
Details
- Card scheme
- Visa
- Card tier
- Classic
Requirements & terms
Requirements for this product aren't published yet.
IB
I&M Bank Kenya
Free unlimited airport lounge access; travel insurance
Contact bank for full rateVerified 16 Sept 2026 · source
3.5%
APR
KES 5,500
Annual fee
Details
- Card scheme
- Mastercard
- Card tier
- World
Requirements & terms
Requirements for this product aren't published yet.
IB
I&M Bank Kenya
Lounge access 1,400+ airports; travel insurance; 24-month extended warranty
Contact bank for full rateVerified 16 Sept 2026 · source
3.5%
APR
KES 9,000
Annual fee
Details
- Card scheme
- Visa
- Card tier
- Infinite
Requirements & terms
Requirements for this product aren't published yet.
KB
KCB Bank Kenya
Income requirement: 30,000 (salaried); self-employed: account turnover >=50,000 — Simba Points rewards; cash advance 6%; late fee 5%
VerifiedVerified 16 Sept 2026 · source
3.5%
APR
KES 3,000
Annual fee
45 days
Interest-free days
Recommended minimum income: KES 30,000
CompareDetails
- Card scheme
- Visa
- Card tier
- Classic
Requirements & terms
- Minimum monthly income
- KES 30,000
NB
NCBA Bank Kenya
Lounge access; travel insurance up to $1m; cash advance 6%; late fee 5%
VerifiedVerified 16 Sept 2026 · source
3.5%
APR
KES 3,000
Annual fee
50 days
Interest-free days
Recommended minimum income: KES 400,000
CompareDetails
- Card tier
- Platinum
Requirements & terms
- Minimum monthly income
- KES 400,000
NB
NCBA Bank Kenya
Income requirement: <100,000 — Buyer's protection insurance
VerifiedVerified 16 Sept 2026 · source
3.5%
APR
KES 1,000
Annual fee
50 days
Interest-free days
Recommended minimum income: KES 100,000
CompareDetails
- Card tier
- Classic
Requirements & terms
- Minimum monthly income
- KES 100,000
NB
National Bank of Kenya
Income requirement: 20,000 (or 150,000/month business turnover) — Cash advance 5%; late fee 1,500; over-limit 1,000; min repayment 10%; open to non-customers
Contact bank for full rateVerified 16 Sept 2026 · source
3.5%
APR
KES 2,500
Annual fee
Recommended minimum income: KES 20,000
CompareDetails
- Card scheme
- Visa
- Card tier
- Classic
Requirements & terms
- Minimum monthly income
- KES 20,000
SB
Stanbic Bank Kenya
Emirates flight discounts; Lounge Key access; free supplementary cards; cash advance 4%; late fee 1,000
Contact bank for full rateVerified 16 Sept 2026 · source
3.3%
APR
KES 4,000
Annual fee
55 days
Interest-free days
Recommended minimum income: KES 150,000
CompareDetails
- Card tier
- Gold
Requirements & terms
- Minimum monthly income
- KES 150,000
SC
Standard Chartered Bank Kenya
Fuel cashback up to 250; travel insurance $750 baggage/$4,000 accident
VerifiedVerified 16 Sept 2026 · source
3%
APR
KES 6,000
Annual fee
50 days
Interest-free days
Recommended minimum income: KES 50,000
CompareDetails
- Card scheme
- Visa
- Card tier
- Gold
Requirements & terms
- Minimum monthly income
- KES 50,000
SC
Standard Chartered Bank Kenya
5% cashback fuel/dining (capped 250 each); travel insurance $1,500 baggage/$8,000 accident
VerifiedVerified 16 Sept 2026 · source
3%
APR
KES 7,000
Annual fee
50 days
Interest-free days
Recommended minimum income: KES 100,000
CompareDetails
- Card scheme
- Visa
- Card tier
- Platinum
Requirements & terms
- Minimum monthly income
- KES 100,000
Reviews
Institution reviews are coming soon.
Frequently asked questions
How many credit cards providers does WeCompare track?
We currently track 16 institutions offering credit cards in Kenya.
What is the lowest-cost credit cards rate right now?
Equity Bank Kenya · credit cards, currently at 1.5%. Rates across the providers we track span a 2.4pp range — see the full ranked table below.
Is this credit cards data real, or a sample?
Every listing on this page is real and verified — each row is checked against the institution's own published rate, with a source link and verification date.
How are credit cards ranked on this page?
We sort by headline rate, lowest to highest, with the fee shown alongside so the ranking isn't just the biggest number. Sample/template rows are always pinned below real ones and never win the ranking.
More resources
Find additional information on WeCompare’s categories and more personal finance products.
Find the right credit card for you
Compare fees, rewards and interest rates across our verified card issuers.
Compare Credit Cards